BofA said NO to a second card

morgacj2004 · ‎06-13-2016

So I went against my better judgement and applied for the AK Air Siggy / Plat Visa. My cash rewards Visa just unsecured last month. Should have waited awhile longer but I really wanted the 30k miles signup bonus. Tried to recon 3 times. Last rep was just plain patronizing referring me to a credit education website. None of the senior analysts really looked closely at my rebuild instead focusing only on the BK and lack of time with the unsecured product. I will wait another 9 months or so and reapply at that time. Might apply for the Virgin America Card as Comenity seems to like me. The last rep did offer me a PC to another Bof A card such as the rewards version but I don't see the point at this time. Will not PC to AK air siggy.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

RonM21 · ‎06-13-2016

Sorry you.didn't get approved. Usually that first instinct is the better judgement. But most of us don't realize it until afterwards. That's okay, keep doing what you are doing on the rebuild!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

morgacj2004 · ‎06-13-2016

Thanks. I guess I was mad at myself and also irritated with their CA who are sometimes nasty.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Anonymous · ‎06-14-2016

I am curious to know why people still do business with this bank. Glad I packed my $$$$$ and left. Never felt better.

Anonymous · ‎06-14-2016

@Anonymous wrote:
I am curious to know why people still do business with this bank. Glad I packed my $$$$$ and left. Never felt better.

+1

Anonymous · ‎06-14-2016

@Anonymous wrote:
I am curious to know why people still do business with this bank. Glad I packed my $$$$$ and left. Never felt better.

lol. You are really, really upset with BofA.

morgacj2004 · ‎06-14-2016

I am not happy with them but I will keep my Cash Rewards open. If I dont get the Siggy by next year I will close the acct.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

ScoreOrBeScored · ‎06-14-2016

If you want another possible card with them, go for the Virgin America card before they close the apps.

its unclear if boa will take over the card in 2017 or if Comenity will make it an avatar . I got my VA card last month with just a SP.

i told about my experience with my sp approval in my approval thread ....

Go go on VA and book a flight and go thru the checkout process ... You'll be asked to sign in or create an account. They have a SCT pop up.

if you get it don't bite...... Wait a week or so then cold app and you may get it with a SP like me

morgacj2004 · ‎06-14-2016

Thanks for the advice. My wife already applied and we got a msg from the bank today that they are reviewing her app.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

kdm31091 · ‎06-14-2016

@Anonymous wrote:
I am curious to know why people still do business with this bank. Glad I packed my $$$$$ and left. Never felt better.

While we all have banks we dislike, I really fail to see how it applies to this situation. IMO, the decline for OP was perfectly fair, and that's why they knew they probably shouldn't have applied for the card. BOA just wants some time and history, which is understandable given they just unsecured the card last month.